Cash Link USA provides personal cash loans as an alternative to payday loans. The company operates as a state-licensed direct lender in several states, offering quick online loan approval and various types of loan products.

Cash Link USA

LightStream offers fixed rate, simple interest fully amortizing installment loans without fees or prepayment penalties. They serve customers with good-to-excellent credit profiles.

LightStream

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.

Ian Brady

Andrew Carra

Daniel Macklin

James Finnigan

Michael Cagney

SoFi Technologies, Inc.

Upgrade, Inc. is an American neobank that offers credit and banking products to consumers, including fixed-rate credit cards, loans, credit monitoring, and education tools. It was founded in 2016 by Renaud Laplanche, the founder and former CEO of LendingClub, and other former colleagues from Lending Club.

Metric
Company Name	Cash Link USA	LightStream	SoFi Technologies, Inc.	Upgrade, Inc.
Symbol			SOFI
MSH ID	COM:CASHLINKUSA	COM:LIGHTSTREAM	COM:SOFI	COM:UPGRADE
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services	Financial Services & Finance
Industry	Consumer Finance	Consumer Services	Financial - Credit Services	Neobanking
Country	US	US	US	US
Stage	Series A
Employee Count			4.40K	1.16K
Website	cashlinkusa.com	lightstream.com	sofi.com	upgrade.com
LinkedIn			sofi	upgrade-inc.
Founders

Metric
Market Cap			6.95B
Enterprise Value
Monthly Web Traffic	3.91K	647.39K	17.71M
Web Traffic Growth	9.35	-0.10	0.11
Valuation
Raised Capital	7.67M		750M

Metric
Revenue			2.05B
Revenue (LTM)
Revenue (NTM)
Gross Profit			2.05B
EBITDA			-300.33M
Operating Income			-300.33M
Net Income			-300.74M
EPS			-0.32
Diluted EPS			-0.32
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.69
Operating Profit Margin			0.06
EBITDA Margin			-0.15
Net Profit Margin			-0.05
Return on Equity			-0.02
Return on Assets			-0.00
Return on Capital Employed			0.00

CASH

COM:CASHLINKUSA

Cash Link USA

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			-24.26
P/B Ratio			1.39
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			4.47
EV Multiple			444.62

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding			1.42K
Operating Cycle			1.43K
Cash Conversion Cycle			1.22K
Asset Turnover			0.08

Metric
Operating Cash Flow			551.87M
Free Cash Flow			430.68M
Cash Flow to Debt
Operating Cash Flow/Sales			-0.82
Free Cash Flow Yield			-0.95

Metric
Cash & Equivalents			3.62B
Accounts Receivable
Inventory
Goodwill			1.39B
Debt to Capitalization			0.49
Debt to Assets
Current Ratio
Quick Ratio			165.31

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.13
R&D to Revenue			0.24
SG&A to Revenue			0.24